Naturally, I lean toward buy and hold rental properties since that's what I've already been doing since 2010. 

Okay I’m done with the sage advise lol 

@Brad Mylius Hondros is good...I would prefer in-class education, given the nature of the content.

It comes natural to some people sure, but there is still hard work involved.

I presented offers to HML but naturally none will risk not being in 1st position. 

I live out in Newberg and naturally would like to meet closer to home, it looks like Chace you're in Portland and Mathew you're all the way out in Hood River. 

That is the nature of the beast.

The "back" or "bottom" ratio includes housing costs as will as all other monthly debt. quitclaim deedA deed that transfers without warranty whatever interest or title a grantor may have at the time the conveyance is made.rate lockA commitment issued by a lender to a borrower or other mortgage originator guaranteeing a specified interest rate for a specified period of time at a specific cost.real estate agentA person licensed to negotiate and transact the sale of real estate.Real Estate Settlement Procedures Act (RESPA)A consumer protection law that requires lenders to give borrowers advance notice of closing costs.real propertyLand and appurtenances, including anything of a permanent nature such as structures, trees, minerals, and the interest, benefits, and inherent rights thereof.Realtor�A real estate agent, broker or an associate who holds active membership in a local real estate board that is affiliated with the National Association of Realtors.recorderThe public official who keeps records of transactions that affect real property in the area.

Local investors will naturally not like this. 

Would ideally be a place that feels secluded, has a cabin like feel, surrounded by nature, and is not part of a community with fees.I've looked at previous discussions around this topic, but I still have many questions:- Does anybody have direct experience with short-term vacation rentals in the Poconos?